{"id":60460,"date":"2012-04-17T04:13:57","date_gmt":"2012-04-17T04:13:57","guid":{"rendered":"http:\/\/thedicarlogroup.com\/2012\/04\/17\/764-average-fico-score\/"},"modified":"2019-04-23T20:50:38","modified_gmt":"2019-04-23T20:50:38","slug":"764-average-fico-score","status":"publish","type":"post","link":"https:\/\/ewmrealestate.com\/blog\/764-average-fico-score\/","title":{"rendered":"764: Average FICO Score"},"content":{"rendered":"<ul>\n<li><img loading=\"lazy\" class=\"alignleft size-thumbnail wp-image-2098\" title=\"BEAWA3\" src=\"http:\/\/thedicarlogroup.com\/files\/2012\/04\/s-DEBT-large300-150x150.jpg\" alt=\"BEAWA3\" width=\"150\" height=\"150\" \/><\/li>\n<li>That&#8217;s the average credit score profile for successful applicants for a conventional home purchase mortgage in February, according to Kennth Harny in his Sunday Miami Herald article.\u00a0\u00a0He said it is above the median FICO score nationwide which is currently 711.\u00a0 Here are a few other benchmarks\u00a0to <strong>successful\u00a0qualification<\/strong>:<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<ul>\n<li>Loan-to-value (LTV) ratio of 78 percent, meaning a 22 percent down payment in lieu of\u00a020 percent<\/li>\n<li>Debt-to-income ratios of 21 percent for housing expenses, 34 percent for total household debt<\/li>\n<\/ul>\n<p>and the profile for those whose <strong>loans were rejected<\/strong>&#8230;.<\/p>\n<ul>\n<li>732 FICO score<\/li>\n<li>LTV of 19 percent<\/li>\n<li>Debt-to-income ratios of 24 percent for housing expenses, and 41 percent for total household debt<\/li>\n<\/ul>\n<p>&#8220;Even though the profiles of successful borrowers may look challenging to match, keep in mind these are averages.\u00a0 So don&#8217;t fret, you may still have a good shot,&#8221; Harney encouraged.\u00a0 Remember that today&#8217; mortgage standards are stricter than ever and factor it into your plans for obtaining financing.\u00a0 <strong><em>Know the market, call Sheryl DiCarlo, 305.332.3256, before making your next real estate move.<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>That&#8217;s the average credit score profile for successful applicants for a conventional home purchase mortgage in February, according to Kennth Harny in his Sunday Miami Herald article.\u00a0\u00a0He said it is above the median FICO score nationwide which is currently 711.\u00a0 Here are a few other benchmarks\u00a0to successful\u00a0qualification: \u00a0 Loan-to-value (LTV) ratio of 78 percent, meaning<\/p>\n<p class=\"more-link\"><a href=\"https:\/\/ewmrealestate.com\/blog\/764-average-fico-score\/\" class=\"themebutton2\">Read More<\/a><\/p>\n","protected":false},"author":5577,"featured_media":130092,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_expiration-date-status":"","_expiration-date":0,"_expiration-date-type":"","_expiration-date-categories":[],"_expiration-date-options":[]},"categories":[11767],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>764: Average FICO Score - BHHS EWM Realty<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ewmrealestate.com\/blog\/764-average-fico-score\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"764: Average FICO Score - BHHS EWM Realty\" \/>\n<meta property=\"og:description\" content=\"That&#8217;s the average credit score profile for successful applicants for a conventional home purchase mortgage in February, according to Kennth Harny in his Sunday Miami Herald article.\u00a0\u00a0He said it is above the median FICO score nationwide which is currently 711.\u00a0 Here are a few other benchmarks\u00a0to successful\u00a0qualification: \u00a0 Loan-to-value (LTV) ratio of 78 percent, meaningRead More\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ewmrealestate.com\/blog\/764-average-fico-score\/\" \/>\n<meta property=\"og:site_name\" content=\"BHHS EWM Realty\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/EWMRealtyInternational\" \/>\n<meta property=\"article:published_time\" content=\"2012-04-17T04:13:57+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-04-23T20:50:38+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ewmrealestate.com\/blog\/wp-content\/uploads\/2019\/06\/BHHS-On-Solid-Background.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"376\" \/>\n\t<meta property=\"og:image:height\" content=\"376\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Sheryl S. 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